Ellen Montalbano
Stockton,CA
Summary
Experienced Workers Compensation Underwriter with expertise in Retail and Wholesale Brokering. Specializes in Workers Compensation and Commercial Professional Lines.
Overview
29
29
years of professional experience
Work History
Workers Compensation Underwriter
Atlas General Insurance Services An RPS Company
Remote, CA
05.2021 - Current
- Generate new business and maintain relationships with new and existing agencies.
- Underwrite new and renewal business.
- Determine credits and debits to apply in rating depending on factors such as carrier guidelines, applications, supplements, claims history, websites, experience modification factors, and industry experience.
- Respond to broker requests, bind orders, and endorsement requests.
- Able to work independently within authority and involve management as necessary.
- Help train junior staff and new employees.
- Collaborate with other departments (Accounting, Auditing, Business Development, Central Processing, and Claims).
- Utilize computer programs applicable to Atlas and the Insurance Industry.
- Evaluate claims data to identify potential exposures or losses related to Workers' Compensation policies.
- Utilize various software programs to generate premium quotes and proposals for customers.
- Interact with clients, agents, brokers, and other stakeholders in order to answer questions regarding policy terms and conditions.
- Manage multiple projects simultaneously while meeting deadlines established by management team.
- Advise customers on best practices for minimizing their exposure when it comes to workers' compensation risks.
- Participate in meetings with senior management regarding strategies for improving operational efficiency within the department.
- Enter and maintain risk information in various information systems.
- Conduct accurate and thorough risk selection, with proper classification of insureds.
- Solicit and evaluate insurance applications to approve or decline risks based on company guidelines.
- Negotiate coverage, policy pricing, and service delivery during meetings with customers, agents, or brokers.
- Leverage customers' history, industry, and demographic information to calculate renewal rates.
Account Executive, Northern California
Landscape Contractors Insurance Services (LCIS)
San Francisco , CA
05.2018 - 05.2021
- Specialized in Brokering Workers Compensation.
- Generated new business by networking and use of other lead sources.
- Maintained relationships with new and renewal business owners.
- Marketed new and renewal submissions, negotiated terms with Underwriters, presented options to clients by phone, email and in person.
- Applied product, industry and market knowledge to make coverage recommendations.
- Ensured that customer service needs were met in efficient manner.
Workers Comp Account Executive/Underwriter
CCO Insurance Services
San Francisco, CA
03.2016 - 12.2017
- Acted as Retail Producer as well as Marketing Manager for Workers Compensation.
- Developed productive working relationships with Insureds, Underwriters and Wholesalers.
- Responsible for marketing products to prospective clients, managing existing client relationships and obtained all required underwriting documents and details needed to complete files.
- Promoted agency products to customers in person, on phone and by email.
- Front line Underwriter prior to company submissions.
- Marketed submissions to Carriers and Wholesalers as well as processed online quotes with online rating programs.
- Prepared and presented proposals to clients in professional and timely manner.
- Negotiated commissions with markets.
- Prepared necessary paperwork to process insurance sales.
- Promoted client retention through high quality service and follow through.
Vice President, Office Manager
ECC Insurance Brokers
Beverly Hills, CA
06.2015 - 10.2015
- Temporarily relocated to Beverly Hills from San Francisco to hire staff and train new employees for Professional Coverages.
- Helped with process to relocate office to another nearby location. Then, I moved back to San Francisco Area.
Supervising Account Manager
Walsh Carter & Associates
San Francisco , CA
07.2014 - 06.2015
- Hired as Account Manager and promoted to hire, train and manage support staff as well as market new Commercial business to Carriers as well as Wholesalers.
Commercial Account Executive/Producer
AAA Northern California, Nevada & Utah
Emeryville, CA
01.2014 - 06.2014
- Promoted Commercial products to AAA customers.
- Marketed new business to Carriers and Wholesalers for Commercial lines coverages and processed online quotes.
- Processed orders, payments, binders, endorsement requests, policy issuance and cancellations.
- Promoted client retention through high quality service and follow through.
Associate Broker
Socius Insurance Services
San Francisco , CA
05.2010 - 10.2012
- Rehired to market new and renewal business from Retail Brokers to Carriers and quoted online.
- Sales, Account Management, and Marketing Responsibilities for Professional Lines.
Associate Broker
Swett & Crawford
San Francisco , CA
07.1998 - 05.2010
- Rehired to market new and renewal business from Retail Brokers to Carriers and quoted online.
- Inside Sales, Account Management, and Marketing Responsibilities for Professional Lines.
Associate Broker
Socius Insurance Services
San Francisco, CA
07.1997 - 07.1998
- Inside Sales, Account Management and Marketing Responsibilities for Professional Lines.
Associate Broker
Swett & Crawford
San Francisco, CA
08.1995 - 07.1997
- Inside Sales, Account Management and Marketing Responsibilities for Professional Lines.
Skills
- Strong Work Ethic with Positive Attitude
- Top Notch Marketing, Mentoring and Leadership Skills
- Ability to Multitask and Prioritize in Fast Paced Environment
- Familiar with Wearing Many Hats - Service, Marketing, Management, Underwriting and Sales
Affiliations
- I enjoy working on backyard projects, savoring culinary delights as a food enthusiast, and embarking on adventures during weekends, whether it's exploring local spots or occasionally travelling out of state to visit family and friends.
Timeline
Workers Compensation Underwriter
Atlas General Insurance Services An RPS Company
05.2021 - Current
Account Executive, Northern California
Landscape Contractors Insurance Services (LCIS)
05.2018 - 05.2021
Workers Comp Account Executive/Underwriter
CCO Insurance Services
03.2016 - 12.2017
Vice President, Office Manager
ECC Insurance Brokers
06.2015 - 10.2015
Supervising Account Manager
Walsh Carter & Associates
07.2014 - 06.2015
Commercial Account Executive/Producer
AAA Northern California, Nevada & Utah
01.2014 - 06.2014
Associate Broker
Socius Insurance Services
05.2010 - 10.2012
Associate Broker
Swett & Crawford
07.1998 - 05.2010
Associate Broker
Socius Insurance Services
07.1997 - 07.1998
Associate Broker
Swett & Crawford
08.1995 - 07.1997
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